Memphis, TN
Truck Insurance in Memphis, TN
We help Memphis-based carriers find the right truck insurance, from first-year authorities to established fleets, across 15+ trucking insurers.
The Memphis trucking market
About 62% of active carriers based in Memphis run a single power unit, and the most common freight listed on their FMCSA records includes general freight, construct, bldgmat and paperprod. Memphis sits on the I-40, I-24 and I-65 network that moves most Tennessee freight.
Insurers Memphis carriers use
The most common current insurers among Memphis-based carriers are Progressive Hawaii Insurance Corp, Great West Casualty Co., Geico Marine Insurance Company and Northland Insurance Company. We quote many of the same markets plus others, so you can see how your renewal compares.
Coverage for Memphis truckers
- Truck insurance: liability with filings, cargo and physical damage for owner-operators.
- Trucking insurance for Memphis fleets, with driver approvals and certificates.
- Box truck insurance, CDL and non-CDL, for local and final-mile work.
- Hot shot insurance for pickup and trailer setups.
What Memphis freight means for your policy
General freight cargo
Most brokers want $100,000 cargo for general freight. Check the excluded commodities on any quote.
Hazmat limits
Hazmat loads can require $1M to $5M in liability under federal rules, so we confirm your commodity before quoting.
FAQs
What drives truck insurance prices in Memphis?
Garaging address, radius, cargo, authority age and driving records. Memphis trucks running I-40 and I-24 lanes are priced on those factors like anywhere else, but carriers weigh local claim costs differently, so quotes can vary a lot.
Can I get box truck insurance in Memphis without a CDL?
Yes, for trucks rated 26,000 lbs or less, as long as drivers meet the carrier's experience guidelines.
When should Memphis carriers start shopping their renewal?
About 45 to 60 days before renewal. Right now 167 carriers based in Memphis have policies renewing in the next 90 days.
Other Tennessee cities
*From public FMCSA data via Insight Carrier, refreshed daily. Last update 11/14/2026.